Payoff balance report at Mizrahi-Tefahot: how to get it
The payoff balance report at Mizrahi-Tefahot is called "Balance confirmation" (אישור יתרות). With a current account at the bank you generate it from the account on the website, and those who have only a mashkanta sign in with a one-time code to their mobile. Cannot manage? The call center is *8860, extension 4 and then 1.
| What the report is called | Named "Balance confirmation" (אישור יתרות), sometimes "Payoff balance report" (דוח יתרה לסילוק) |
|---|---|
| How to get it | Generate it yourself on the website |
| How much it costs | On paper, for those who do not use the website or app: free, up to twice a year |
| Phone | *8860, extension 4 and then 1 |
| Without a current account at the bank | Sign in with a one-time code sent to your mobile |
How to get the payoff balance report at Mizrahi-Tefahot, step by step
If you have a checking account at the bank
- Sign in
- "Loans and mashkantaot" (הלוואות ומשכנתאות)
- My mashkanta (המשכנתא שלי)
- Requests and forms (בקשות וטפסים)
- Generating confirmations (הפקת אישורים)
- Generating a balance confirmation (הפקת אישור יתרות)
- Log in to your account on the Mizrahi-Tefahot site.
- Choose "Loans and mashkantaot" (הלוואות ומשכנתאות).
- Choose "My mashkanta" (המשכנתא שלי).
- Choose "Requests and forms" (בקשות וטפסים).
- Choose "Generate confirmations" (הפקת אישורים).
- Choose "Generate balance confirmation" (הפקת אישור יתרות).
If you only have a mashkanta, without a checking account
- Tefahot icon (אייקון טפחות)
- One-time code to mobile (קוד חד-פעמי לנייד)
- Entering the code (הזנת קוד)
- Generating a balance confirmation (הפקת אישור יתרות)
- Press the Tefahot icon on the site.
- Ask for a one-time code to your mobile.
- Enter the code.
- Generate the balance confirmation.
The menu path is from our guide dated 26/07/2026, and banks change their menus from time to time. Can't find the item? The bank's call centre can send you the document.
An annual account status is not a payoff balance report (דוח יתרה לסילוק)
Mizrahi-Tefahot also sends an annual report. According to the wording of the report itself, the amount in it "is not an updated payoff balance" (אינו מהווה יתרה עדכנית לסילוק): it is without a prepayment fee (עמלת פירעון מוקדם) and without interest for the period after the report date. For a refinancing check you need the balance confirmation (אישור יתרות) from the website.
After the Mizrahi-Tefahot payoff balance report
According to the bank's website, advance notice of a payoff is submitted on the actions website, under "Loans and mashkantaot" (הלוואות ומשכנתאות) and "Requests and forms" (בקשות וטפסים). The bank sends the letter of intent (מכתב כוונות) within 3 business days, and releases the lien on the home within 30 days from the repayment date.
Mashkanta call center hours, *8860: Sunday to Thursday from 08:00 to 21:30, and on Friday from 08:00 to 13:00.
What to check in the Mizrahi-Tefahot payoff balance report
Go through it maslul by maslul, and ask three questions: what the interest rate is and of what type, when it can change, and how much it would cost to exit it today. The total monthly payment hides the answers, because one maslul can be much more expensive while all the others are fine.
Check this mashkanta
Have the file? Upload it and see what each maslul costs, what leaving it would cost, and what to ask the bank for. No sign-up, and the file is deleted as soon as it is read.
Before uploading, check that the file lists all the maslulim of the mashkanta and that it is recent. An old report shows the balances and fees of that day, not of today.
Prefer to talk to a person? An independent mashkanta consultant who works with mixo will call you back. The first call is non-binding, and you do not need to upload documents.
Frequently asked questions about the Mizrahi-Tefahot payoff balance report
What is the document called at Mizrahi-Tefahot?
"Balance confirmation" (אישור יתרות), and sometimes "Payoff balance report" (דו"ח יתרה לסילוק). Other banks call it a balance statement (דוח יתרות).
I only have a mashkanta at Mizrahi-Tefahot, without a checking account. Can I get it myself?
Yes. You log in through the Tefahot icon, with a one-time code sent to your mobile.
Can't log in to the Mizrahi-Tefahot site. What do I do?
Call the bank's line, *8860, and ask for the document.
Do I pay for the document at Mizrahi-Tefahot?
The bank must show this information on its site or app and keep it up to date. If you don't use them, you can ask for the document on paper, up to twice a year, free of charge.
Before any step, check with your bank. The payoff balance, the early repayment fee and the rate on a new offer are set by the bank, and its figure is the one that counts.
Payoff balance report at other banks
What the statement contains and how to read it
Sources and dates
Proper Conduct of Banking Business Directive 451 "Housing loan procedures" (נהלים למתן הלוואות לדיור), version 22 (07/2023): section 15A. The bank's details were checked on its website on 07/11/2026.
The documents themselves, on the Bank of Israel website (in Hebrew):
What is called on the bank's website: